Privacy Policy

1. Introduction

This Privacy Policy outlines how Splitzy Ltd ("Splitzy", "we", "us", or "our") collects, uses, and protects personal information. We are dedicated to safeguarding your privacy and ensuring your personal data is handled in accordance with the General Data Protection Regulation (GDPR) and other relevant data protection laws. This policy explains our data collection practices, how we use and share your information, and your rights regarding your personal data.

2. Who We Are

Splitzy Ltd is a company incorporated in England with company number 14962455. Our registered office is located at 165-167 Great Portland Street, 5th Floor, London, W1W 5PF. We are the data controller responsible for your personal data.

3. How to Contact Us

If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us:

• Email: hello@splitzy.me
• Post: Splitzy Ltd, 165-167 Great Portland Street, 5th Floor, London, W1W 5PF

4. Information We Collect and How We Use It

We collect various types of personal data to provide and improve our services. The information we gather includes:

• Identity Verification: To verify your identity, we collect personal data such as your full name, email address, phone number, proof of address, and proof of identity. This information is used for "Know Your Customer" (KYC) checks to ensure compliance with financial regulations and to prevent fraud.
• Financial Information: Through our integration with Tink Financial Services Limited ("Tink"), we collect financial data necessary to facilitate transactions and manage your account. This includes:
  • Bank account numbers
  • Transaction history
  • Information to initiate and process transfers
  • Details of direct debits and standing orders
• Service Improvement: We use your data to enhance our services, develop new features, and address any issues or disputes.
• Legal Compliance: We may use your information to comply with legal obligations, such as responding to court orders and regulatory requirements.
• Fraud Prevention: We may share data with fraud prevention organisations to detect and prevent fraudulent activities and money laundering. If suspicious activities are detected, this may result in a refusal of financial services or other actions such as reporting to law enforcement.

5. Sharing Your Information

We may share your personal data with the following parties:

• Credit Reference Agencies: To verify your identity and conduct account checks.
• Fraud Prevention Organizations: To prevent and detect fraud and money laundering.
• Regulatory Authorities: To comply with legal and regulatory requirements.

If fraudulent activities are suspected, we may share relevant data with law enforcement agencies. This can lead to consequences such as denial of financial services or employment, and legal action.

6. Obtaining Your Consent

When we need your consent to process your personal data, we will request it explicitly during data collection. You can also withdraw your consent at any time by:

• Email: Contacting us at hello@splitzy.me
• Post: Writing to us at our registered office address

Upon withdrawal of consent, we will cease processing your data for the purposes for which consent was given, but may continue to process data in an anonymised or pseudonymised form. Please note that this may affect your ability to use certain features of our services.

7. Use of Cookies and Similar Technologies

We use cookies, pixels, beacons, and other technologies to enhance your experience on our platform. Cookies help us:

• Functionality: Ensure the website functions properly.
• Analytics: Analyse usage patterns to improve our services.
• Personalization: Customise content based on your preferences.

You can manage and delete cookies through your browser settings. For detailed information, please refer to our Cookie Policy.

8. Data Storage and Sharing

Personal data is stored in secure data centres. We may need to share your data with third-party service providers to deliver our services. These providers are bound by confidentiality agreements and are required to handle your data securely.

9. Third-Party Links and Services

Our platform may include links to third-party websites and services. Please be aware that once you leave our site, this Privacy Policy no longer applies. We are not responsible for the privacy practices of these third parties.

10. Data Retention

We retain your personal information for up to six years from our last interaction with you, or for a longer period as required by law. This retention period allows us to comply with legal obligations and manage any disputes.

11. Confidentiality and Security

We prioritise the security of your personal data. We implement robust measures to protect against unauthorised access, misuse, loss, and alteration of your information. Our security practices include:

• Access Control: Restricting access to personal data to authorised personnel only.
• Encryption: Using encryption technology to safeguard data transmission and storage.
• Regular Audits: Conducting regular security audits and assessments.

All employees and data processors who handle personal data are required to adhere to strict confidentiality standards.

12. Your Rights Regarding Personal Data

Under GDPR, you have the following rights regarding your personal data:

• Right of Access: Request copies of your personal data held by us.
• Right to Rectification: Request corrections to inaccurate or incomplete data.
• Right to Erasure: Request deletion of your personal data under certain conditions.
• Right to Restriction of Processing: Request limitation of data processing in specific situations.
• Right to Object to Processing: Object to processing based on legitimate interests or for direct marketing purposes.
• Right to Data Portability: Request the transfer of your data to another organisation or to yourself.
• Right to Withdraw Consent: Withdraw consent where processing is based on consent.

To exercise these rights, please contact us using the details provided above.

13. Complaints

If you are dissatisfied with our handling of your personal data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO). You can file a complaint via the ICO website https://ico.org.uk/concerns/ or by calling 0303 123 1113.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Significant changes will be communicated via email, but we encourage you to review this policy regularly to stay informed about how we protect your personal data.

15. Contact Information

For any questions or concerns about this Privacy Policy, please contact:

• Email: hello@splitzy.me
• Post: Splitzy Ltd, 165-167 Great Portland Street, 5th Floor, London, W1W 5PF

16. Data Controller

Splitzy Ltd is the data controller responsible for the collection and processing of your personal data. Our contact details are as follows:

• Company Name: Splitzy Ltd
• Registered Office: The Data Controller, Splitzy Ltd, 165-167 Great Portland Street, 5th Floor, London, W1W 5PF
• Company Number: 14962455